Lender profile · Home loans
LivePeople First Bank home loans
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As of 18 September 2026, People First Bank has 17 home loan products in 49 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.10% (Discount Variable - Owner Occupied ), ranking 12th of 107 variable owner-occupier P&I loans and sitting 0.66 points below the market average of 6.76%.
- Lowest comparison rate
- 6.10%
- Discount Variable - Owner Occupied
- Market rank
- #12
- of 107 variable owner-occupier P&I loans
- Products
- 17
- 49 variants
- Last change
- —
- None recorded yet
Rates over time
Comparison rate of each product's headline variant- RBA cash rate
- Market average
- Discount Variable - Owner Occupied
- Discount Variable - Investment
- Fixed Home Loan
- Fixed Investment Loan - Interest Only
- Fixed Investment Loan
- Standard Fixed Rate Home Loans - Owner Occupied
- Staff Home Loan
- Standard Fixed Rate Home Loans - Investment
- Basic Variable Home Construction
- Basic Variable Home Loan
- Home Build Access (HBA) SIL
- Home Build Access (HBA) Low Deposit
- Home Build Access (HBA) Deposit Assist Loan
- Basic Variable Investment Loan
- Basic Variable Investment Construction
- Basic Variable Investment Loan - Interest Only
- Basic Variable Investment Construction - IO
What changed
No changes recorded for People First Bank's home loans since tracking began on 12 September 2026.
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 12
Variable · P&I · Owner-occupier · 70–80% LVR · redraw · no ongoing fee · 4 variants
6.10%#12 of 107comparison · 6.09% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $345
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤70% LVR · redraw · no ongoing fee · 8 variants
6.15%#2 of 81comparison · 6.14% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $345
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤95% LVR · offset account · redraw
7.93%#93 of 107advertised · no comparison rate published
- Application fee
- $600
- Ongoing fee
- $8 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤95% LVR · offset account · no ongoing fee
8.18%#95 of 107comparison · 8.18% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤95% LVR · offset account · redraw · no ongoing fee
8.18%#95 of 107comparison · 8.18% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤98% LVR · no ongoing fee
8.80%#99 of 107advertised · no comparison rate published
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤18% LVR · no ongoing fee
8.82%#100 of 107comparison · 8.76% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤10% LVR · no ongoing fee
8.82%#100 of 107comparison · 8.76% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Investor · ≤90% LVR · offset account · redraw · no ongoing fee
8.83%#72 of 81comparison · 8.83% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤90% LVR · offset account · no ongoing fee
8.83%#72 of 81comparison · 8.83% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Variable · Interest Only · Investor · ≤80% LVR · offset account · redraw · no ongoing fee
9.03%#67 of 80comparison · 9.24% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · ≤80% LVR · offset account · no ongoing fee
9.03%#67 of 80comparison · 9.24% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Fixed · 5
1yr Fixed · P&I · Owner-occupier · 80–95% LVR · redraw · no ongoing fee · 5 variants
1y 6.16%2y 6.20%3y 6.24%4y 6.35%5y 6.40%6.16%#4 of 49comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
1yr Fixed · Interest Only · Investor · ≤80% LVR · redraw · no ongoing fee · 5 variants
6.29%#3 of 44comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
1yr Fixed · P&I · Investor · 80–90% LVR · redraw · no ongoing fee · 5 variants
6.31%#4 of 43comparison · 6.89% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
5yr Fixed · P&I · Owner-occupier · ≤95% LVR · redraw · 4 variants
1y 8.54%2y 8.29%3y 8.08%5y 7.75%7.75%#42 of 49comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- $345
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
5yr Fixed · P&I · Investor · ≤90% LVR · redraw · 8 variants
8.12%#35 of 42comparison · 6.59% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- $345
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Notes on People First Bank home loans
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